Meridian Bank NMLS #462854
At a glance
- HeadquartersMalvern, PA
- Size2,560 home loans closed in 2025
- Loan typesConventional, FHA and VA
- Licensed in1 state
- Formed in2004
What it closes
Share of its 2025 home loans: 64% Conventional, 27% FHA, 8% VA and 1% Other types.
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Who is Meridian Bank?
Meridian Bank (NMLS #462854) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Meridian Bank legit?
Here's what public licensing records show. Meridian Bank holds mortgage lender licenses in Maryland (NMLS ID #462854, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerMeridian Bank
- NMLS #462854
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Meridian Bank
Overview
Meridian Bank is a bank that participates in residential mortgage lending. The Federal Deposit Insurance Corporation is its primary regulator.
Mortgage options
Meridian Bank offers home equity lines of credit.
Locations
Meridian Bank has 16 branches in Delaware, Maryland, New Jersey, and Pennsylvania.
Company details and licensing
Meridian Bank is a corporation formed in Pennsylvania, United States, on March 16, 2004. Its headquarters are at 9 Old Lincoln Highway in Malvern, Pennsylvania 19335. The company’s NMLS ID is 462854. It is licensed in Maryland.
Verify NMLS #462854 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asMERIDIAN BANK
- 2025 home loan decisionsOf 2,692 applications decided by MERIDIAN BANK in 2025, 2,560 were originated, 22 were approved but not accepted by the borrower, and 110 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 95.9%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 625 applications were withdrawn by the borrower, 29 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.216 percentage points above the average prime offer rate (reported on 2,411 originations, 149 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$7,885.01 — originated closed-end household loans, 2025, 2,142 of 2,153 loans. FFIEC HMDA data browser.
- Median origination charges$1,895.00 — originated closed-end household loans, 2025, 2,153 loans. FFIEC HMDA data browser.
- Median lender credits$240.45 — originated closed-end household loans, 2025, 1,250 of 2,153 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types1,628 Conventional, 701 FHA, 203 VA, 28 USDA — of 2,560 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for MERIDIAN BANK — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Meridian Bank legit?
Here's what public licensing records show. Meridian Bank holds mortgage lender licenses in Maryland (NMLS ID #462854, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Meridian Bank's NMLS number?
Meridian Bank's NMLS number is 462854. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Meridian Bank's NMLS ID?
Yes. We checked Meridian Bank's company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since November 2012. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Meridian Bank?
This page has Meridian Bank's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.